Photos of day

Date: 3 months ago   Category: Realty

Reference point — zero


What quantity of housing estates in which there is a mortgage with a zero initial contribution? Whether this program and what reefs can get enjoys popularity? Photo: depositphotos.com From 84 complexes presented today at the housing market of mass demand in old Moscow in twenty seven is a mortgage with a zero initial contribution, follows from statistics of the Metrium company. At once in twenty seven or only in twenty seven is let everyone solves itself, but the fact: nearly 4,5 thousand apartments can be got according to the bezpervonachalny mortgage scheme now. Only seven banks, and among them any which in the rating of the Rusipoteka project for the first half of the year would take the place in the top ten on the volume of mortgage lending work on her. The leader of this seven — Vozrozhdeniye bank — Rusipoteka has arranged on the 11th line. However, in the seven there are banks which show the most vigorous growth rates of delivery of mortgage loans recently — except Vozrozhdeniye, it is, for example, SMP Bank and Metallinvestbank". An opportunity to buy the apartment, without having any accumulation, matter in the theory good. However, according to the managing partner of the Metrium company Maria Litinetskaya, in practice by special popularity this program doesn't enjoy. First, rates on a bezpervonachalny mortgage are too high — at least 11,6-11,7% per annum, and on average — about 12-12,5%. The usual mortgage is far cheaper, even taking into account the September growth of rates. Secondly, buyers don't love a zero initial contribution and somehow not really trust it — opposite, try to make it as much as possible then to pay to bank as little as possible. Thirdly, 27 complexes are after all the limited choice which can not always satisfy the existing inquiry. In a word, if there is no money from the word "absolutely", and in a new building it is necessary to conclude urgently the bargain on some superaction, people agree to a mortgage with zero initial. Only then at once try to refinance them — on more favorable conditions. To add BFM.ru to your sources of news?

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